No one goes to work expecting to be harmed. However, such a situation impacts employees in Ohio and other states across the nation every year. While some workplace accidents result in minor injuries, others cause workers to suffer serious and disabling injuries. When a worker is unable to work because of a workplace accident, this can cause serious financial impacts on the individual and his or her family. This is especially true if the disability lasts for a long period of time or is permanent. In these matters, Social Security disability might be the answer.
According to current statistics, more than 10.5 million workers and their families are recipients of SSD benefits. These benefits are available to individuals who are unable to work because they are suffering from a disability that is expected to last at least a year or result in his or her death. It is also possible, in certain situations, for family members of disabled workers to receive SSD benefits.
In general, two tests must be met in order to receive disability benefits. First, a worker must pass a recent work test, which is based on the age the worker became disabled and their duration of work. Disabled workers must also prove that they have worked long enough to be eligible for these benefits. In most cases, this means a person must have worked at least 10 years, working at least five of the last 10 years before becoming disabled.
One should note that they could become eligible for Medicare. After receiving SSD benefits for two years, a recipient can become eligible for Medicare. This is true regardless of the age of the worker. When a worker receives disability benefits up until retirement age, it is also important to realize that their disability benefits will automatically convert to retirement benefits.
Not many employees instantly consider seeking disability benefits following a serious work incident. However, SSD benefits could be very beneficial for those unable to work because of a disabling injury. Those unsure of the process or how to prove their claim should take the time to become familiar with the process, seeking legal assistance when necessary.
Source: Investmentnews.com, "Don't mess with Social Security disability rules," May Beth Franklin, June 20, 2017